[wolfee101]

whats the most any windy has paid out for damage done to property?
how often have you damaged property and how long have you worked as a windy?
give us a l;ittle idea of risk

[Mark Farrimond]

Wolfee,

I assume that's for me, that question? May be not. Anyway.

In the 9 years we have been doing this the biggest claim i have seen was for £70k. For damage on a new commercial build. All windows were scratched.

[wpclean]

The sad fact is we have to pay extra for insurance for ambulance chasing, " where there is blame there is a claim " lying thieving, claim making, whiplash ( no proof needed ) companies who advertise on daytime tv because the percentage of people who make these claims are unemployed watching Jeremy Kyle and have come from a different time when an accident was considered just bad luck, and not an opportunity to profit !

[bumper]

right sorted  have a copy of insurance thanks,my mot is up shortley i need a bum mot ill pay £50. for one bumper

[jon shaw]

i hired a car the other day £35 for weekend (picked up fri return mon)the excess was £600 to lower the excess to £100 cost £5 a day an extra £20
so the insurance premium @£5 a day x 365 days a year= £1825 for a £500 risk lol now thats a business!
if you shop around you can get the same cover for £50 a year
the risk to the underwriter is half that prob .....£25 a year? or about 07p a day
sorry but theres nothing on the tv tonight

[davids3511]

............should be forced to have it by law.  It will reduce the number of cowboys out there .........

And curiously in the motor insurance game where it is forced by law its had exactly the opposite effect. Its increased the number of cowboys !! Right from the accidents on purpose for whiplash claims, throught to the Insurance companies themselves working in cahoots to all bump premiums massivley, so much so the government is looking into it !!! Reduce cowboys , don't make me laugh !!!

There even ripping each other off, sounds very close to fraud to me ... http://www.am-online.com/news/2011/9/21/judge-slams-insurer-for-increased-cost-of-accident-repairs/29703/

[davids3511]

whats the most any windy has paid out for damage done to property?
how often have you damaged property and how long have you worked as a windy?
give us a l;ittle idea of risk

4.5 Years smashed one window and paid £80.00 to have it replaced.

[H2GoKent]

Yes for me always had it.

Had to claim once too. Excess was £250 which sounds steep but the claim was settled for £2812 so I got off lightly.

[Small but perfectley formed]

Although i have PL i believe all insurance companies are the same only interested in taking your money and trying to get out of paying out.

[Mark Farrimond]

Have you formed this opinion based on experience or hearsay?

If an insurer hasn't paid a claim you have submitted it is normally for one reason, you didn't have the cover you thought you had. 

When arranging cover for you or your business make sure you receive confirmation of what you are covered for in writing, on what basis the premium is calculated and compare this to what you asked for.  Always deal with a specialist broker for your trade and never accept cover over the phone until you have received a quote either by email or by post, even if this is sent after you have verbally committed to cover.